Res No 159-18-15192RESOLUTION NO. 159-18-15192
A Resolution authorizing the City Manager to purchase Public Officials and Employment
Practices Liability Insurances from Chubb for Fiscal Year 2018-2019.
WHEREAS, the insurance marketplace for Municipalities is limited; and
WHEREAS, the City staff and through its Agent of Record, Brown & Brown, has solicited and requested
independent insurance quotes for Public Officials and Employment Practices Liability Insurance; and
WHEREAS, the continuation of the existing coverages with Chubb provides the best coverage options
to meet the City's existing needs; and
WHEREAS, the City Manager recommends that the City continue coverage with Chubb for Public
Officials and Employment Practices Liability Insurances coverage for 20 18-20 19 Fiscal Year based upon the current
renewal.
NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY COMMISSION OF
THE CITY OF SOUTH MIAMI, FLORIDA THAT:
ATTEST:
Section I. The City Commission hereby authorizes the City Manager to execute the renewal insurance
policy with Chubb for Public Officials and Employment Practices Liability Insurances 2018-2019 Fiscal
Year.
Section 2. This resolution shall take effect immediately upon adoption.
PASSED AND ADOPTED this 4th day of September, 2018.
APPROVED:
}J{;bUJulAJJ
MAydR
COMMISSION VOTE:
Mayor Stoddard:
Vice Mayor Harris:
Commissioner Gil:
Commissioner Welsh:
Commissioner Liebman
5-0
Yea
Yea
Yea
Yea
Yea
City Commission Agenda Item Report
Meeting Date: September 4,2018
Submitted by: Samantha Fraga-Lopez
Submitting Department: Human Resources
Item Type: Resolution
Agenda Section: CONSENT AGENDA
Subject:
Agenda ~em No:4.
A Resolution authorizing the City Manager to purchase Public Officials and Employment Practices Liability
Insurances from Chubb for Fiscal Year 2018-2019.315 (City Manager-Human Resources)
Suggested Action:
Attachments:
Memo_Ace Chubb.docx
Ace Chubb Proposal.pdf
1
,-:;~ Sou~IJiami CITY OF SOUTH MIAMI
OFFICE OF THE CITY MANAGER
INTER-OFFICE MEMORANDUM THE CITY OF PLEASANT LIVING
To:
FROM:
DATE:
SUBJECT:
Background:
The Honorable Mayor & Members of the City Commission
Steven Alexander, City Manager
September 4,2018 Agenda Item No.:~~
A Resolution authorizing the City Manager to purchase Public Officials and
Employment Practices Liability Insurances from Chubb for Fiscal Year 2018-2019.
The City staff and through its agent of record, Brown & Brown, solicited and
requested independent quotes from Chubb and PGIT, which covers all other City's
liability lines of coverages. The total premium renewal quote for Public Officials
Liability and Employment Practices Liability Coverage from Chubb is $40,500.
Recommended Action: The City Manager recommends that the City renew its policy with Chubb for the
Public Officials Liability and Employment Practices Liability policy for a premium
of $40,500.
Attachments: Proposed Resolution
Proposal from Brown & Brown
2
INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR:
CITY OF SOUTH MIAMI
POLIcvTERM:
10/01/18 TO 10/01119
DATE OF PRESENTATION:
AUGUST 17, 2018
PRESENTED By:
ROBERT HOLLANDER
EXECUTIVE VICE PRESIDENT
BROWN & BROWN -MIAMI DIVISION
4
INTRODUCTION
We would like to take the oppOliunity to thank you for allowing us to work closely
with you in our effort to develop a comprehensive Risk Solution Program for your
business. Brown & Brown, Inc. is the largest independent agency organization in
Florida and the 6th largest in the US. The company provides a variety of insurance
products and services to corporate, institutional, professional and individual
clients. Headquartered in Daytona Beach and Tampa, Brown & Brown is publicly
traded on the New York Stock Exchange (BRO) and has been included in Forbes'
list of the "200 Best Small Companies in America". The company handles clients'
premiums in excess of 12 Billion annually and has in excess of 6,500 employees.
We have insurance professionals who specialize ill evaluating and protecting
your personal assets -home, auto, watercraft and [(fe.
Wei/Iso have an experienced employee benefits department who can assist you
with group health, disability, [({e and dental.
While size is not the sole criteria for choosing an insurance agent, it does enable us
to offer our clients clout in the marketplace and unmatched service capabilities.
Please feel free to visit our website at www.bbinsurance.com
This insurance proposal is prepared based on data furnished bv yOU for our
review. It is not to be construed as an exact or complete analysis of the
policies or as legal evidence of insurance. It is only a brief outline of your
insurance coverage and is {Or in{Ormatio11 purposes only. In the evellt of
difference, the provisions of the policy will prevail. Please read your policy
carefully {Or a thorough understanding of all terms, cOllditions and
exclusions.
2
5
ACCOUNT SERVICING TEAM
Robert Hollander
Executive Vice President
305-364-781S
rhollander@bbmia.com
Nancye Batista, AAI
Commercial Lines Team Leader
Account Manager
305-364-7816
nbatista@bbmia.com
Alexandra S~rria
Claims Representative
305-364-7812
asarrial@bbmia.com
~own
&: rovvn
14900 NW 79th Court, Suite 200
Miami Lakes, FL 33016
Telephonc:l-SOO-432-SS44, (305) 364-7800 or (305) 714-4400 Fax: (305) 714-4401
3
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TABLE OF CONTENTS
I. Schedule of Named Insureds
II. Coverage Sections
o Property
o Inland Marine
o Crime
o Commercial General Liability
o Law Enforcement
o Commercial Automobile
o Public Official/Employment Practices Liability
o Workers Compensation
III. Summary
IV. Illustrations and Definitions
4
7
SCHEDULE OF NAMED INSUREDS
City of South Miami
This list includes all of the named insured's we presently have on yom· policies. Should any
revisions to this listing be required, please notify our office immediately.
5
8
PROPOSED PROPERTY COVERAGE ----------_.--_.--_._ .. _ .. -----------
Insurer: Preferred Governmental Insurance Trust
Location of Premises:
Per Schedule Attached
Description of Property:
Blanket Building & Contents Limit, per attached schedule $22,763,841
Values Insured are Ultimate(y Chosen by the Client. II1I'iew of the continually
changing cost of construction and building materials~ we stl'ong{y suggest that you
review your property values annually. ANY changes in the occupancy of an insured
location should be reported to our office immediately. Changes;1I occupancy call
potemially reduce or negate the coverage afforded by youI' property policy
Description of Coverages Proposed:
Policy Form:
Building & Personal Property Coverage Fonll -Special
Causes of Loss:
Special Form: Excluding Earthquake/Earth Movement
Coinsurance:
Building & Personal Property: N/ A
Valuation:
Replacement Cost
Flood Limit:
Per Occurrence and Am,'fegate: S I ,000,000
Excess of NFlI' Whether Purchased or Not
6
9
PROPOSED PROPERTY COVERAGE
Continued
Property Extensions of Coverage:
For a full description of tenlls, definitions and conditions, please refer to the policy
documents.
i
Debris Removel~ limit shown or 25% of loSs, whichever is greater, per OCCUrrence $250,000 or 25% of loss, Wl11dlever
Is greater, per occurrence
I.
7
10
PROPOSED PROPERTY COVERAGE
Continued ...
Deductible:
All Other Perils:
Named Storm:
Flood:
Coverage Enhancements:
$ 2,500 Per Occurrence -Building & Contents and
Extensions of Coverage
5% Per Occurrence -Subject to $15,000 Minimum
$2,500 Per Flood except zones A. V excess of NFlP, whether
purchased or not
Boiler & Machinery -Limit: $22,763,841 -$2,500 Deductible Per Occurrence
NOTE: Detached walls, fences, radio and TV antennas, trees, shrubs, plants Fee-standing
property improvements such as athletic equipment, windscreens, Ughtpoles, satellite
dishes or signs arc not c01'ered unless specifically scheduled on the policy.
Property and Extensions of Coverage include, but are not limited to the following exclusions:
• Eatihquake/Earth Movement
-Terrorism
-Electronic Data
• Electronic Date Recognition
> Asbestos
-Pollution
-Fungus
-War, Nuclear
• Ordinance or Law -Limited per Extensions of Coverage
Note: The PGIT property program is a shared limit. The limits purchased at'e a per occurrence
limit and in the event an occurrence exhausts the limit purchased by PGIT on behalf of the
members, payment to you for a covered loss will be reduced pro-rata based on the at110unts of
covered loss by all members affected by the OCClln"ence.
8
11
WINDSTORM & HAIL DEDUCTIBLE SAMPLE ILLUSTRATION
FLAT DEDUCTIBLE vs. PERCENTAGE Windstorm and Hail Dednctible
This deductible would apply to a claim for damage caused by windstonn .
. BUiltW~'RIlPtifl.it>:m~/tt.C!J~t .<. Fbli:D~d. <. ·.··2%D~(k. , , . ,o~ _';'" jOj,:!Dd . .:9;<;.e ; ···SoJ.Ded. ... 0 •.
Bldg. #1 -SI,OOO,OOO $5,000 $20,000 $30,000 $50,000
Bldg. #2 -$2,000,000 $5,000 $40,000 $60,000 $100,000
Bldg. #3 -$3,000,000 $5,000 $60,000 $90,000 $150,000
Bldg. #4 -$4,000,000 $5,000 $80,000 $120,000 $200,000
TOTALS:
Value -$10,000,000 $20,000 $200,000 $300,000 $500,000
Percentage wind deductibles are calculated as a percentage of the total replacement valne.
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9
SCHEDULE OF COVERED PROPERTY
loe#: O$$crlption Addr~S$ Const type Efl. Teml, Building CO!ltEntt:
Ollte DlIte Value value
001 CM head slart 6125 SW 68 Street '119~JM 1010112018 1010112019 -$471,200 $5,487
tenter South Miami FL 33143
002 Public WoTIIs Office 4795 SW 75th Avenue 119-JM 1010112018 1010112019 $281.200 $7.318
Building South Miami Fl33143
003 StorageJMotor Pool 4795 SW 75th AvenUe 131-FR 100112.018 10i0112019 ~54.0oo $(l
Offire South Miami Fl33143
004 $olio Waste Bldg -5 4795 SW75th Avenue 152-NC 10101/2018 1010112019 :$185.250 SO
Bay Shop South Miami Fl33"143
005 City Garnge 4795!)W 15th Avtloue 111-MNC 10101f201B 1010112019 $560,500 $0
South Miami FL 33143
006 City's Repair Shop 47tlS SW751h Avenue 119 -JM 1010112018 10101/2019 $63,000 $59,267
South Miami FL 33143
007 Police storage Bldg 4795 SW 75th Avenue 119 -JM 1010112018 1010112019 518,900 $0
South Miami Fl331113
008 Dante B. F\lSooll SliOG Red Road 131 ~ FR 10J0112018 1010112019 $95,3BO $0
ParW Tennis Pro South Miami FL 33143
Shop & Restroom
Bldg
009 Dante 8. Fasooll 8600 Red Road 152~NC 1010112018 10/Ot12019 $65,000 SO
Park· 2 GazellQS SoulhMlaml Fl33143
010 Dante B. FasteH 8600 Red Road 102~PITO 10101J2018 1010112019 $123,500 $0
Park ~ 6 Har Tru South Miami FL 33143
T'3nnis· Coorts
($6,50llCOntents
ull Dante B. FatwU 8600R~ Road 102-PHO 10101/2018 1010112019 $1{}4,OOO $0
Pam I Playground South Miami Fl33143
($6,500 contents
Induded)
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10
SCHEDULE OF COVERED PROPERTY
(..1)1,;"" Vl;ltU;HllUUII AUUIti'~8 ... 1J111::Il ~YV'" Cit. ltillU. QUnUIlI1,I ... \,tIU<HIt,,,
Dale Oufe Vnlue value
012 Dante tl F,J:scell 8600 ReO Roa<t 10, -pITO 10/U112ota 1010112:019 $28,665 $0
Pal1!. -2 RaCQUe!ball South Miami FL 33143
courts
013 Dante 8. Fascell 8600 ReO Road 102· PITO 11)10112018 10101/2019 $13,000 $0
Park ¥ 1 Basketball South Miami FL 33143
COUrt
01. Danle.B. ·Fllscetl ¥ 1 6600 Roo Road ,,9 -JM 10lUi12018 10.'0112019 $10,000 $0
Tiki Hut South Miami FL 33143
015 Qante B. Fascall 0000 Red Road q1-FR 10/0112018 1OID112U19 063,000 SO
Community Storage Sooth Miami F133i43
016 Fuchs Park PavifiOn 6445 SN 81 Slrest 101 -Frame 101011201B 1010112019 $31.000 $4,550
($4550 Contents South Miami FL 33143
Included)
017 Fm:hs Pari!. + 6445 SW 81 Street 119 -JM 10/{]1/201B 1010112019-$64.000 $0
B_ South Miami FL 33143
.
018 Fuchs Park 6445 SW 81 Stre~t 102-PITO 10101/2018 1010112019 $70,769 $0
PI.tyground.& Swirly South Miami FL '33143
Se~
01. Palmer Park -Field 6445 SW 81 Street 152· NG 1010112018 10101flO19 $45,500 SO
storage Building Soulh Miami Fl33143
020 Palmer Pati< Football 6701 SW 67th Awnue 119·JM 10/01/2018 10101QOHI $75,000 $45,730
Storoga S!dg Sooth Miami FL 33143
021 Palmer Park Football ()701 SW 67th Avenue 119 ·JM 10101/2018 10101(2019 $33,000 S19,5OO
StomgeRoom South MiamI FL 33143
022 .palmer Palk Field 6100-SW 67th Avenue 119-JM 10/01/2018 1010112019 $115,620 $9,147
House South Miami Fl33143
023 Palmer Pam 6701 SW 67th Avenue 102·PITO 10fQ112018 1010112019 $26,000 SO
Playground south Miami FL 33143
024 Palmer Park / 1200 ft 6701 SW 67th Avenue ,",-PITQ 10101/2018 1010112019 $13.000 SO
of 5 fI High Fence South Miami Fl33143
025 Palmer Park -1000 ft 6701 SW 67Hl Avenue 102·PtTO 10101/2018 1010112019 $16,900 $0
Of 10 H High Fence South Miami Fl33143
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SCHEDULE OF COVERED PROPERTY
LtJ1,.',1j. UVllUIIPUUIl AU\lIl:\'l:iS .... "'IIISI ':,olt~ 1:11. ItiJUI, DunUlny .... vul~nt'li
Dote Olltl$ Value value
02. PalmerPaf1.;~ 6701 SW 67th Avenue m-". 10/01/2018 1010112019 $84,600 SO
Restroom Bldg Sooth Miami fL 33143
027 PalmerPm1l-670t SW 67th Avenue 119· JM 1010112019 10/0112019 $54,000 SO
concessIon Bldg South Miami FL 33143
u,. Brewer Park • 2 6300 SW 55th Street 119-JM 1010112018 10/0112019 $29.865 SO
RaCQuetball Courts Sooth Miami FL 33143
029 Brewer Park· 112 6300 SW 5filh Street 102·PITO 10J01f2018 1010112019 $13,000 SO
BaskeUmll Court SouthMiamifL33143
030 I3re'MIT Park· 6300 $W 56th Street 102· PITO 101U1/2{)1a 1010112019 $34,125 SO
Playground and South ~amj FL 33143
Swingsel
031 B!'IWJef Park -2 6300 SW 55th $treel 102-PlTO 10J0112018 1010112019 $52,000 SO
Tennis CQUrts South Miami FL 33143
032 Brewer Patk -460 ft 6300 SW 561h Street 102-PITQ 10101/2018 1010112019 $7,800 SO
Of10flHIgllFooce South Miami FL 33143
033 Brewer Park ~ 360 rt 63{10 SW 56lh Street 10'2-P!TO 1010112018 1010112019 $3,000 SO
Of 5 ft High Fem;e South Miami FL 33"143
03' Murray Pmt -2' 5800 f5W 66 Street 119·JM 10101120HI 10/01/2019 $2,000 $0
Shade Structures South Miami FL 33143
035 MurrayPalt1 6701 SW 58 Place 111-MNC 10101120HI 1010112019 $360,000 SO
Community Center South Miami FL 3314J
036 Hope Buller ActiVity 6701 SW 58 Place 119-JM 10101120'18 '10/0112019 $271,690 $0
Center South Mlatni FL 33143
037 Office/Ponca 5975 Sunset DriVe 1'19 ~JM 101011201-8 1010112019 SO $32,500
Substation Souto Miami FL '33143
0," ,-,fly Hall f Police 6130 Sunset Drive ".-J., 1010112.G18 1010112019 '3,B39,900 $395.472
South Miami fl 33143
039 Silva Martin Bldg 6130 Sunset Drive 119-JM 1010112018 1WU112019 $420,180 $56,706
Soulh Miami Fl33143
15
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SCHEDULE OF COVERED PROPERTY -------------------------------------
l.Vo.:l'-Utl1ll,;IIIJl1UI' .... uuu:~". I,.UU($t 'YIII::' 1:11. ItUIII. DUUUUlY o..UIl\t!Ul1 •
Date Date Value value
v'v South Miami COnlm 5800 SW 66 Street l11-MNC 101DH201B 1010112019 53.216,560 $390,000
Center JGym south Miami FL33143
041 JeanWiIUs Part I mOsW61stCout 101 ~ Frame 10f0l120Hl 1010112019 $19,500 SO
Gazebo South Miami FL 33143
0" MarhsaJl WiIllanlSOIl 6121 SW 68 Stnlet '>'-NV 1010112018 1010112019 1165,000 SO
Pm1< j Gazel)O South MIami FL '33143
0'3 MarshaiWilllamson 6121 SW 68 Street f02-PITO 1010112018 101(}112019 $32,500 SO
Park J PlaygHlund South Miami FL 33143
and SWing set
044 Marshall Williamson 6121 SW 6B Street 102· PlTO 10101(2018 101Otf2019 $52,000 $0
Parh -2 Tennis South Miami FL 33143
Coorts
045 Girl Seoul Property 6609 &III 60 Street t19·JM 1010112018 1010112019 $234,060 $0
Soolll Miami FL 33143
04. Parting GafaQe 5829 S. W. 73 StreM 131 -FR 1010112{)18 10J{)1Q019 58,435,520 $0
South Mlam[ FL 33143
0'7 Olson Pam -Gazebo SW 58th Ave & 8W 80 152-NC 10/0112018 1010112019 $25,000 $0
SI South Miami Fl
33143
0'8 Police Sub Station 6720 SW 59 Place 119 -JM 10ID112018 10101/20t9 $0 526,000
South Miami Fl33143
049 Bus Shetter N SfdeofSunsetDr & 152 -NC 10101/2018 1010112019 $50,000 $0
South Miami Fl33143
050 Bus Sheller N Side of Sunset Or & 152-NC 10/0112018 1010112019 SSO,OOO ,0
South Miami Fl33'143
051 BUll Shelter S Side of SlUlset Or & 152-NC 10I(J1/201B 10101(2019 550,000 SO
South Miaml Fl33143
052 Bus Shelter S SideQfSwlsetOr & 152·NC 101U1/2018 10101/2019 S50,OOO SO
South Miamf Fl33,143
I
053 Bus Sheller E Side of SW 62 Ave & 152-NC 1010112018 10/01f2019 550,000 SO
Soulll Miami Fl 33143
16
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SCHEDULE OF COVERED PROPERTY ------
l.U!,;§. Utli:i1,;III'UUI1 AUUltl:il:S I,.VIi1;ill)'IJtI 1:11, 1"'1111. OUIIUII1\1 \,..UIHtllltl:l
0 ... D3tt! Value value
u""' Murray Park Pool, 6121 SW 6Bth streat 11. -'M 10101/2018 1010t12019 5"1,384,411 $"
Splash POOl, South Miami Fl 33143
Restroom
055 Wood Double Gate 6380 SW 18 Street 102¥ PllO 10lD1f2018 1013112019 .$4,475 SO
!=nclOsure South Miami Fl33143
056 Police Fueling 6130 Sunset Orive 119-JM 1010112018 10101f20W $160.500 $10,904
Station Sooth MIamI FL 33143
Total $21,701,260 J $1,062,561
TIV $22,763,841.00
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PROPOSED INLAND MARINE COVERAGE
Insurer: Preferred Governmental Insurance Trust
Description of Property:
Blanket Unscheduled
Subject to $25,000 Any One Item
Excludes Watercraft
Causes of Loss:
Special Form: Excluding Flood and Earthquake
Values of Insurance:
$470,479.00
Loss of Use coverage is not automatically included
Valuation:
Actual Cash Value
Deductible:
$1,000
Exclusions Include But Are Not Limited To:
Flood
Earthquake/Earth Movement
Terrorism
Biological or Chemical Materials
Electronic Data
Electronic Date Recognition
Asbestos
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PROPOSED CRIME COVERAGE
~~~~~~-
Insurer: Preferred Governmental Insurance Trnst
Type of Policy:
Combination Crime
Limits of Coverage:
usmg a
computer to transfer covered propelty from ;"'111",.<1 '< premises or
bank to another person or place. No coverage is provided for theft of
infonnation or for computer vandalism.
Other Coverages Available:
D. Robbery and Safe Burglary
E. Premises Burglary
O. Extortion
H. Premises Theft and Robbery Outside
1. Lessees of Safe Deposit Boxes
J. Securities Deposited with Others
Deductibles:
Emplovee Dishonesty
Forgery or Alteration
Computer Fraud
Theft Disappearance or Destruction
16
$1;000. .... .... .... . ....
19
PROPOSED GENERAL LIABILITY COVERAGE
Insurer: Preferred Governmental Insurance Trust
Type of Form:
Commercial General Liability -Occurrence Fonn
Limits of Liabilitv:
Bodily Injury & Prope11y Damage Liability
General Aggregate
Products/Completed Operations
Personalln'ur & Adve11isin r In'ur
Damage to Premises Leased/Rented to You
Bodily Injury and Property Damage
Deductible
m )10 ee Benefits Liabilit ' Per Person
Fire Dama e
.$1,OQO;000
Higher Liability Limits may be Available Upon Request
Exposure Basis:
Amount
$4751540
Be sure to get Certificates of Insurance with "Adequate" Limits and Coveragefrolll
Subcontractors, to aJ'oid being charged as though Subcontractors were your Employees,
Coverage Enhancements:
Herbicide & Pesticide -$1,000,000 Aggregate Limit
Sewer Backup and Water Damage Limit -$10,000 No-Fault/$200,000 At Fault: Subject to
$200,000 Aggregate
Exclusions include but are not limited to:
• Pollution
• Asbestos
• Mold
• Fungus, Bacteria
• Lead
• Nuclear
• Medical Paymcnts
• Liquor Liability
• Cop)'light or Patent Infringement
• Terrmi sm
• Public Officials Liability/Employmcnt Practices Liability
• Unmanned Aircraft/Drone Liability
17
20
I
PROPOSED LAW ENFORCEMENT LIABILITY COVERAGE
Insurer: Preferred Governmental Insurance Trust
Type of Form:
OCCUITence
Limits of Liability:
Pcr Person
Per OCCUlTence
Deductible:
$10,000
Exposure Basis:
Law enforcement Number of Officers 52 FuJI Time
2 Part Time
Defense Costs -Outside of the limit; does not erode the limit for General Liability and Law
Enforcement Liability
Deductible does not apply to defense costs
]8
21
PROPOSED COMMERCIAL AUTOMOBILE LIABILITY
COVERAGE
Insurer: Preferred Governmentallusurance Trust
Limits of Liability:
Bodily Injury & Property Damage Liability $1,000,000 Combined Single Limit
Liability Coverage Provided For: Symbol #: 1 Any Auto
..
Personal Injury Protection $10,000 Each Person -Symbol #: 5
(Florida No-Fault) Owned Auto Subject to No
Fault
Medical Payments Not Each Person -Symbol
Included
Uninsured Motorists Non-Stacked Not Per Accident
Included
Physical Damage: * Per Scheduled Vehicles
Collision $1,000 Deductible
Comprehensive $1000 Deductible
Physical Damage Coverage Provided For: Symbol #: 7 & 8
* All New or Replacement Vehicles Must Be Scheduled Autos Only and
Reported Immediately so as to avoid any Hired Autos Only
possible gap in coverage
Auto Symbols 7 & 8
Higher Lilllity of Liability May Be Available Upon Request
Description of Vehicles:
Please See Attached Schedule of Automobiles which indicates those vehicles that include
Comprehensive and Collision -Schedule Pending Premium Revision for addition of two
vehicles: 2013 Nissan Leaf # IN4AZOCP6DC418298 & 2019 Ford #lFT7W2B67KEC12555
Coverage Enhancements:
• Hired Auto Liability
• Non-Owned Auto Liability
• Hired Physical Damage
Limit: $75,000 Subject to deductible
NOTE: The vehicles listed on this policy must be owned by, titled to or leased to the Named Insured.
19
22
VEHICLE SCHEDULE
Moke ModeUDeserlpUon Department ALEf! Comp Comp Comp Value
Unit# Oed Eff Toon
Year VIN# Vehicle Type AL Tenn Cpil Coli Eff Coli Valuation Type
Oed Tel1ll
Ret;ytte Truck 1010112018 $1,000 1010112018 10t1)1/2019 $31,000
001
1990 1HT52RMX41247192 Heavy Truck 1010112019 $1.000 1010112018 1010112019 Actual Cash Vn!ue
Volvo WXR64 1010112018 Sl,OOO 1010112018 1010112019 $35,000
002
2003 4V2EC6UE93N34ll468 Garbage Trut:k 10J1]1/2019 $1,000 10/0112018 10/0112019 Actual Cash ValUe
Tmsl1 Truck 1010112018 $1,000 10/0112018 10(0112019 $32,000
003
2005 7533 Garbage Truck 10J0112019 $1,00.0 10rol12018 1Q10112019 Actual Cash Value
TrnshCmne 1010112018 $1,000 10101/2018 1010111019 $31,000
00' 2004 662 Gart>.."lge Truck 1010112019 $1,000 10f:0112()18 10m'l12019 ACtual Cash Value
FOfd F45D BUcket Truck 1010112018 $1,000 1010112018 10lQ112019 $2B,000
005
2004 6749 HeayYTruck 10J01f2{)19 $1,000 1010112018 1010112019 At!ual Cash Value
TraUer 1010112018 $1,000 10101/2018 1010112019 $10,000
006
2004 1773 TraDer-NO 10J0112019 $1,000 10ro1J2018 10/01/2019 Actual Cash Value
CHARGE
GarbageTrucK NonPoUce 1010112018 $1,000 10101/201B 1010112019 $35,000
007
2D04 SVCECIllF24H200oo2 Ga"nJge TruCk 1010112019 $1,000 1010112018 1010112019 Actual G.."\Sh Value
23
20
VEHICLE SCHEDULE
Make ModelJlJescription Department AlEff Comp Comp Comp Value
Unit# Oed Eff Term
Year VIN# Vehicle Type At Term Coli Coli Elf Coli Valuation Type
Oed· Tenn
sweeper 1010112018 SO
OOS 1997 2272 Heavy Truck 1010112019 NJA
R>rlI Ranger Pkkup 10101/2018 SO
009
1997 483 Ligh1Truck 1010112019 NJA
Fwd Crown Victoria Police 1010112018 $1,000 10/OlIl018 "10/0112019 $19,322
010
2005 9247 Police Car 1010112019 $1,000 1010112018 1010112019 Actual Cash Value
PIC1illll 10101/2018 SO
011
1998 5084 light Truck 1010112019 NJA
Ford Crown Victoria Potice 1OJ01f2018 SO
012
1998 7545 PoHceCar 1010112019 NlA
.
Ford Crown Victoria Po§ce 10/01/2018 SO
013
1998 7547 Police Car 1010112019 NlA
l
Ford F250PJckUp PoRce 1010112018 :$1,000 1010112018 1010112019 52l,OOO
01'
2005 8300 Police Car 10I01f2{)19 $1,000 1010112018 10101/2019 Aclu;l1 Cash Valua
Fo", ElIpedltion 1010112018 51,000 lQ!D1r2018 1010112019 $22,500
015
2005 8547 Light TruCil 1010112019 $1,000 1010112018 1010112019 ActtJal Cash Value
Trash Truck 10101/2018 51,000 1010112018 1010112019 $47,000
01.
2{J07 7296 Garbage Truck 1010112019 $1,000 10/0112018 10101/2019 Actual Cash Value
Ford F250Pickup 10f0ff2{l18 SO
017
1999 1506 Ught TruCk 1010112019 NJA
24
21
VEHICLE SCHEDULE
Make Model/Descriptioll Oepart~nt AlEIf Comp Comp Comp Vnlue
Unit# Ded Elf Teml
Year VlN# Vehicle Type ALTenll Coli Coli Eff Coli Valuation Type
Ded Tenn
Trash Crane 10f011201B 51,000 10101(201$ 1010112019 $46,000
019
2006 .936 Garbage Truck 10/0112019 $l,QOO 10101/2018 1010112019 Actual Cash V31ue
Ford RaniWr PickuP 1010112016 $1,000 1010112018 1010112019 $21,500
01'
2006 8007 Light Truck 1010112019 $1,000 10f01f201B 1010112019 Actual C~sh Value
Ford CrbWJl Victoria PoUce 1010112018 $1,000 10101(2018 1010112019 $22,000
02ll
2006 3763 PoticeCar 1010112019 $1,000 10101{2018 10/01/2019 Actual Cash Value
Ford Crown Victoria Police 10J01l2018 $0
021
1999 2394 Pollee Car 1010112019 NlA
Ford Crown Victotia Potite-1010112018 $1,000 10f01J2018 1010112019 $22,000
022
2006 3764 ponce Car 1010112019 $1,000 1010112018 1010112019 Actual cash Valua
Eca 15 Pass Van 1010112018 $0
023
'990 641;9 Bus <20 Pas$, 1OJOI12019 NlA
NoUn
Ford Crown ¥laMa Ponce 1010112018 $1,000 10/0112018 10101120'19 $22,000
02'
2006 3758 Police· Car 10/0112019 $1,000 1010112018 1010112019 Actual Cash Value
Ford Ranger Pkkup 1QJ0112018 $i,OOlJ 10101/2018 10/0112019 $19,800
025
2007 9505 UghtTruck 10/0112019 $1,000 1010112018 10l01f2019 Actual Cash Value
Crew Cab Truck 10/0f/lOiS $i,{lOO 10/01/2018 1010112019 $22,000
026
2007 1FFWW30P17EA4733 light Truck 11JJ01/2019 $1.000 101iJt12018 10/0112019 Actual Cash Value
Ford F250PlekUP 10/01/2018 $0
027
200' 1259 lightTmdl. 1010112019 NlA
25
22
VEHICLE SCHEDULE
Mak~ ModelfOescrlptlon Deportment ALEff Comp Coml) Cotnp Vnlue
Unit# Ded Eff Term
Vear VlN# Vehicle Type AL Term Coli Coli Elf Coli Valuation Type
Oed lenn
Trash Truck 10/01'2018 51,000 1010112018 10/0112019 $45,000
02.
2007 5792 Garll<l!ie Truck lOJ01f2019 $1,000 1010112018 10101/2019 Aclual Cash Value
&450 Pass Van 101011201.8 $1,000 10(01/2018 1010112019 $26,000
029
2001 6867 MedfumTrud<: 1010112019 $1,000 1010112018 1010112019 Actual Cash Value
Ford F250 4X2 Trucll 10101f201B 1li1,UOO 10/01/2018 10101/2019 $30,000
030
2008 8133 Light TrucJi. 10101f2019 $1,000 1010112018 10101/2019 Actual Cash Value
Ford Grovm Victotia Police 10/0112018 51,000 10fQ112018 1010112019 $25,000
031
-2007 262 Police Car 1010112019 $-1,000 1010112018 10/0112019 Actual Cash Value
Ford Excursion 10/0112018 SO
032
2001 7437 UghtTrudi 10101/2019 NlA
Ford Crown Victolia PoNce 10/0112018 S1,OOO 10J011201B 1010112019 $25,000
033
2007 263 Police Car 10/0112019 $1,000 1010112018 1010112019 AcluaJ Cash Value
Ford Crown Victolia Police 10/0112018 $1,000 1010112018 10lO1J2019 $25,000
.
03' 2001 264 Police Car 10fl}1f2019. $1,000 10101120113 10/0112019 Actual Cash Value
Ford Crown Victoria Police 1010112018 S1,000 10/0112018 1010112019 $25,000
035
2007 1644 Police Car 10101J2{)19 $1,000 1010112018 1010112019 Actual Cash Value
Foid F450 SUper Plc){up 10!0112D18 $1,000 1010112018 1010112019 $40,000
036
20UT 7463 Mediwn Truck 10101120'19 $1,000 1010112018 1010112019 Actual Cash Value
E-350Van 101011201S $1,000 1010112018 1010112019 $2~,ODD
031
20011 9179 Light Truth: 10101121)19 $1,000 1010112018 1010112019 Actual Cash Value
26
23
VEHICLE SCHEDULE --------------~ .... ---.---.------------
Make ModelJDescription Department AUf! Comp Comp Camp Value
Unit# Oed Eft Tenn
Year VIN# VehIcle Type Al Teml Coli Coli Eff Coli Valuotion Type
Oed Tel:1ll
Fold F250Pickup 1010112018 51,000 101Q112018 10101(2019 524,000
036
200S 4733 Light Truck 1010112019 $1.000 10/0112018 1010112019 Actual Cash Value
Ford F250 Pickup Pollca 10J1)11201S .0
039
2001 8077 Police Car 1010112019 NfA
Pickup 10101f2018 $0
040 1997 7334 Ught Truck 10101(2019 NlA
Trash Truck 1010112018 $1,000 1010112018 10101/2019 $45,000
041
2009 6166 Garbage Truck 1010112019 $1,000 1010112018 1Qf0112019 Actual cash Value
Pic::ilup 1010112018 $1,000 10t01/201S 101Q1/2019 522,000
042 ZOOB 4732 Ught Trod; 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value
WaterTmck 10/0112018 51,000 10f0112018 1010112019 $31,000
043
2008 0415 Heavy Truck 1010112019 $1,000 10J1)1/201, 10/0112019 ActUAl Cash Va\t1e
15 Pass Van 10/01'2018 $1,000 10{O1/2018 10101/2019 $25,000
04.
200B 6821 Bus 40 Pass, 1010112019 $1,000 10/0112018 10/0112019 Actual Cash Value
NaUlt
15 Pass Van 10!01f201B $'1,000 1010112018 10fQl12019 $25,000
045
2008 6820 Bus "'20 Pass, 1010'112019 $1,000 1010112018 1010112019 Actual Gash Value
NoUft
Ford EXPeditIOn 10/011201B $1,000 10AJ1I2018 10101/2019 $25,000
046
200B 6696 light Truck 1010112019 $1,000 1010112018 10/0112019 Actual Cash Val~
15 Pass Van 1010112018 $1,000 10t01I2018 1010112019 $25,000
047
2009 9630 Bus <20 P(lSS, 1010112019 $1,000 10101/2018 10ft1112019 Actual Cash Vo.lue
NoUft
27
24
VEHICLE SCHEDULE
Make ModellDescription Dev"rtment ALEff Comp Comp Comp Value
Unit# Oed Elf Term
Year VIN# Vehicle Type AL Teml Coli Coli Elf Coli Valuation Type
. Oed Tenn
F,,", Crown Victolia lOJD1J2(l18 $1,000 1010112018 10101/2019 $33,000
048
2010 780B Heavy-Truck 1010112019 $1.000 10/0112018 10f0112019 Actual Cash Value
Gamage Truck 1010112018 $1,000 1010112018 10fO.112019 $40,000
·04.
2009 9492 Garbage Truck 1010112019 $1,000 1010112018 10/0112019 Actual Cush Value
Ford Crown Victoria Polica 10l01l2!}18 $l,(JOO 10/0112013 10/01(2019 $25,340
Interceptor
050
2010 2FABP7BV4AX141491 Police Car 10101/2019 $1,000 1010112018 10101f2019 Actual Cash Value
F,,", crown Victotia Po§ce 10/01/2018 S1,000 10h)1f2018 10f01f2019 $25,3110
Interceplor
051
2010 2FABP7BV4AX14148B Polite Car 1010112019 $1,0{I0 1OlO112018 1010112019 Actual Cash Value
Ford Crown Victoria Pollee lOJQ112{118 51,000 1010112018 1010112019 $25,340
Interceptor
052
2010 2FABP7BV2AX141490 PollooCar 10/0112019 $1,000 1010112018 1010112019 Actual Cash Value
Ford Crov.tn Vidoria Po~ce 1010112{l18 SI,OOO 10(0112018 10f0112019 $25,340
Interceptor
053
2010 2FABP7BV9AX141493 Police Car 10101/2019 $1,000 10/Gl120tS 10/0112019 Actual Cash Value
Ford crown Victoria Pofice 10101/2018 $1,000 10/01/2018 10101/2019 $25,340
Interceptor
054
2010 2FABP7BV5AX1421813 Police Car 10/0112019 $1,000 10101f2018 10/0112019 Actual Cash Value-
GEM E2 10i01J2018 $1,000 10101/2018 10lO1/2019 $14,575
055
2011 5ASCPGA428F055341 Exira Ught 1010112019 $1,000 101{1112D18 1010112019 Actual C3Sh Value
Service
Ford Crown Victoria 10101/2018 $1,000 10101/2:018 1010112019 $31,479
056
2011 2FABP7BV5BX166594 Police Car 1010112019 $1,000 10/0112[118 1010112019 Actual Cash Value
Ford Grown Victort1 1010112018 S1.000 10f{l1/2018 100112019 $31,479
057
2011 2FABP7BV7BX166578 Police Car 10m1/2019 $1,000 10/0112018 10/1)112019 Actual Cash Value
28
25
VEHICLE SCHEDULE
Make Model/Description Deportment ALEff Comp Comp Comp Value
Unlt11 Oed Eff Teml
YaM VIN# Vehicle TYI>& AL Tenn Coli Coli Eff Coil Valttnlion Type
Oed Tenn
Ford Crown Victoria 1010112018 S1,OOD 10'0112018 1010112019 $31,479
058
2011 2FABP7BVOBX166597 Police Car 10101f2019 $1,00(1 10/0112018 1010112019 Ac1ual Cash Value
Ford Crown Victol1a 1010112018 $1,000 10/0112018 10f01J2019 $29,125
059
2011 2FABP7BV8BX159445 Pollce Car 10/01/2019 51,000 10/0112018 10/0112019 Actual Cash Value
Ford Crown Vidona 10101f2018 S1,000 10101/2018 1010112019 $29,725
060 2011 2FABP7BWBX166596 Police Car 10101f2019 $1,000 10101{2018 1010112019 Actual Gash Value
Ford Crown Victoriil 1010112018 $1,000 10[0112018 10101/2019 $29,725
061
2011 2FABP7BV1BX1665S9 Police Car 10101f2{119 $1,000 1010112018 10(0112019 Actu[li Cash Value
Foro Econobne 15 Non Police 101(t1/2018 $1,000 10f01l2018 10f01/2019 $23,473
Passenger Vall
062
2012 1FBSS3tlL4CD83onS Bus <20 Pass, 10101/2019 $1,000 10(0112018 1010112019 Atlual Cosh Value
No Lift
Ford CroWil Victoria Po~(;e 1010112018 $1,000 1010112018 10/01/2019 $26,500
063
2011 2FABP7BV6BX157175 PoliooCar 1010112019 $1,000 1010112016 1010112019 Actual Cash Value
Ford CroWil Vlctofln Police 10101(2018 $1,000 10f01I2018 10fO"11.2019 $26,500
004
2011 2FABP78V8BX157176 PoliceCtlr 10101(2019 $1,000 10/01/2018 1010112019 Act(ml C<lSh Vruue
Ford CroWn Victoria Police 10/0'112018 61,000 1010112018 10f0112019 $26,50U
065
2011 2FABP7BVBBX157177 Police Car 1()J01/2019 $1,000 10101/2018 1010112019 Actual Cash Value
Ford crown Victoria Pouce 10101/2018 $1,000 10ft11/2018 1010112019 $26,500
066
2011 2FABP7BV3BX"I57179 Police Car 10101/2019 $1,000 10fD112018 10f01t2019 Actua! Cash Vruue
Ford Crown Victoria Pofice 1010112018 $1,000 1010112018 10fOtl2019 $26,500
067
2011 2FABP7BV2BX1625B3 Police Car 1010112019 $1,000 10101/2018 10101J2019 Actual Cash Value
29
26
VEHICLE SCHEDULE
Make ModellOescriptlol.l Oepnrtmant ALEff Comp Comp Comp Value
Unit#' Oed Eff Term
Year V1N# Vehicle Type AL Tenn Coli CollEH Coli Valuation Type
Oed Tenn
Ford F25DPick Up Non POlice 10101/2018 $0
068
2004 1FTNW21P24EA04216 LlghtTlUtt 10101/2019 NfA
Chrysler 300 Non Police 10/0112018 SO
069
2005 2C3JA43R75H505Tl1 Private 10/01/2019 N/A
Passenger
ntermtiona Trash 1010112018 SO
070
2DOfi 1HTMMAARcl6H172991 Heavy Truck 10/0112019 N/A
GMC Sweeper SchwalZe 10/01f2{)18 SO
071
2009 J8DG4W16697001079 Medium Truck 10/01/2019 NlA
Auto Car AGX Gartlage Truck IO/OII2{}18 5.1,000 1010112018 1010112019 $269,409
072
2lJ13 5VCACR8FSDH215134 Garbage Truck 10101{.2019 $1,000 1010112018 1010112019 Actual Casll Value
Frelghtllner M2·106 Crane Truck Non-PoliCE! 10l01f2018 $1,000 10101/2018 1OfOl12019 $154,442
073
2lJ13 lFVACXBS1DHFE4262 Heavy Truck 10!O112019 $1,000 101011201B 1010112019 Actual Gash Value
GEM 2P Non-Police 1OJ01J2{J18 $1,000 10fOl/20m 1010112019 $13,499
074
2013 52CG2AGA300003228 Private 10!OlJ2{119 $1,000 10f0112018 101{}1120t9 Adual cash Value
Passenger
Tandem Trailer lOJ(l1f2018 $1,000 10101/2018 1010112019 $3,000
075
2008 IS901X1698M982128 Tmjlef-NO 10!01f2{)19 51,000 1010112018 10101/2019 Actual C\ISh Value
CHARGE
Tandem TraUer -Tandem-Tag 1010112016 $1,000 10/01/2018 1010112019 53,000
XB2331
076
2008 IS907X1698M9S2129 TraHer-NO 1010112019 $1,000 10101}2018 10f{)112019 Actual Cash Value
CHARGE
Trailer -Back up trailer 1010112018 $1,000 1010112018 1010112019 $3,000
077
2013 200904 Tralier-NO 101Ql12019 $1,000 1010112018 10101/2019 Actual Cash Value
CHARGE
30
27
VEHICLE SCHEDULE
Make ModeliDescril)tion DelJnrtment ALEff CQI11P COml) Comp Value
Unit# Ded Elf TanH
Year VlN# Vehicle Type ALTern) Coli Coli Eft Coli Valuation Type
Oed Teml
CVR 101011201$ $1,000 101'0112018 10/0112019 53,000
078
2008 1S007X1672M982130 Trailer-NO 1010112019 51.000 1010112018 1010112019 Actual Casn Value
CHARGE
Tandgm Trailer 10l01l2(118 SO
01.
2008 1 S907160BM982129 Trailer-NO 1010112019 NlA
CHARGE
Post 256· Tag Police '10101/2018 51,000 10lO1I2019 10/0112019 55,000
#XB548B
080
2011 5RTBE1216BD023163 Trailer-NO 10101/2(119 $1,000 1010112018 10J0112019 Actual Cash Value
CHARGE
TraHer -TBD -Back up 1010112018 $1,000 10101/2018 1010112019 $3,000
\railer
081
2000 200905 Trailer-NO 10101/2019 $l,OQO 1010112016 1010112019 Atlual Cash Value
CHARGE
PW trailer w/Pressure PW 10!01£2018 $1,000 10(01/2018 1010112019 $3,000
Cleaner #LX5XB
082
2008 TfaUer-NO 1010112019 51,000 10lD112018 10/0112019 Actual CtlSh Value
CHARGE
TmUer,~ 180 ~Storage PW 1010112018 51,000 10101/2013 1010112019 $3,000
O!1ly~ Tag#21395~
0!l3
2013 213959 Troner· NO '1010112019 $1,000 10fU1J2018 1010112019 Actual Cash Value
CHARGE
Ford Taums Police Po~ce 1010112Ot8 S1.000 10101/.2{)18 10f(l112019 535,000
Interceptor
OIl,
2014 1FAHP2MT1EG12{JOoa Police Car 1010112019 $1,000 1010112018 10101120'19 Actual Cash Value
Ford Taurus Police PoHce 1010112016 S1.000 10ID1I2018 10101120t9 $35,000
Interceptor
085
2014 1FAHP2MT9EG120009 Police Car 101Olf2()19 $1,000 10f{l1J2018 10/0112019 Actual Gash Value
Ford Taurus Pollee Police 10/01/2019 $1,000 1010112018 1010112019 $35,000
Interceptor
0S6 2014 IFAHP2MT7EG120011 Police Car 1010112019 $1,000 10101f2018 10/0112019 Actual Cash Value
Ford Taurus Police Police 1010112018 $1,000 1010112018 1010112019 $35,000
Interceptor
007 2014 1FAHP2MTUEG120013 Police car 1010112019 $1,000 1010112018 10f01f2019 Actual Cash Value
31
28
VEHICLE SCHEDULE
Make ModellDescription Department ALEff Comp Comp Camp Value
Unit# Oed Elf Toml
Year V1N# Vehicle Type Al Tenn Coli Coli Elf Coli Valuation TYlle
O,d Tenn
Ford Taurus Police Potice 1010112018 $1,000 1010112018 1010112019 $35,000
InlertePtor
OSS
2014 1FAHP2MT5EG120010 Police Car 1010112019 $1,000 10f01i2018 10/01/2019 Actual Cash Value
Ford Explorer ponce-Police 1OJD1f2{}10 51.000 10101/2018 10{(l112019 $33.220
Interceptor
089
2014 1FM5K8AR7EGC49037 PoUee Car 10101/2019 $1.000 10/0112018 10/01/2019 Actual Cash Value
Toyola Prius COO, 1010112018 $1,000 10101120113 10/0112019 $21,312
Enforcement
090
2014 JTDKDlB32E156795(} Plivate 10101J2l)19 $1.000 1010112018 1010112019 Actual Cash Vullie
Passenger
Toyota Prius Code t0l01I2018 $1,000 10101/2018 1010112019 $21,312
Enfortement
091
2014 JTDKDTB30El074963 Prtvate tOl0112019 51.000 10fQ1J2!l18 1010112019 Actual Cash Value
P3Ssenger .
Toyota PriU$ Cod' 10!Q1f2018 $1,000 1OJD112018 10101/2019 $21,312
Enfor<emern
092
2{l14 JmKOlB39E1074332 Pnvate-1Of0112019 l!>1,OOO 1010112018 10/0112019 Actual Cash Value
Passenger
GEM E4 PoUte 1010112018 S1,OOO 1[)101{2018 1010112019-$14,371
093
2014-52CG4AGA6EOO10S16 Private 10101/2U19 $1,000 10fQ1I201S 10/0112019 Actual Ca<;h Value
Passtm\lar
Ford Taurus Police PoHce 10101I201B $1,000 10101/2018 10/01/2019 $35.000
Interceptor
094
2014 1FAHP21'J1T9EG120[}12 POlice Car 10101{2019 $1,000 1010112018 1010112019 Actual Cash Value
Insalert Traffic Troller Police 1010112018 $0
095
2010 189AF511XAPB25356 Trailer 1010112019 NfA
KendTrailer PoUce 10101{2018 $0
09' 2011 KT7X12001904B26BO Trailer 10/0112019 NfA
Ford Taurus Police Police 1010112018 S1,lJOO 1Of01f201S 1010112019 $36,975
Interceptor
091
2{)15 1FAHP2MTBFG109228 PollceCar 10J0112019 $1,000 1010112018 10f01J2019 Actual Cash Value
32
29
VEHICLE SCHEDULE
Make ModellDescription Oepllrt'111ent ALEH Comp Camp Comp Volue
Ullit# Oed Elf Term
Yeilr VIN# Vehicle Type AL Tenn Coli Coil Elf Coli Vuluntion Type
Oed Tenn
Ford Taurus Police Police 10J01f2{}18-$1,000 1010112018 10101(2019 $36,975
IntefCeJ)lor
098
2015 1FAHP2MTSFG109231 ponce Car 10/0112019 $1,000 10101120113 10/0112019 Aclual Cash Value
Foro Taurus Police PoUte 1010112018 $1,000 1010112016 10(01/2019 $36,975
Intercevtor
099
2015 1FAHP2MT6FG109230 Police Car 1010112019 $1,000 10101/2018 1010112019 Actual C"sh Value
Foro Taunts Police Pollte 10101/2018 $1,000 10/0112018 1010112019 $36,975
Interceptor
100
2015 1FAHP2MT6FG109227 Police Car 1010112019 $1,000 -1010112.018 10/0112019 Actual Cash Value
Ford T;;runls Police Po5ce 10r01f2{118 $1,000 10101/2018 1010112019 $36,975
InterteJ)oor
101
2015 1FAHP2MTXFG109229 Police Car 1010112019 $1,000 101(J112018 10/0112019 Actual Cash Value
Ford Explorer Pollee Ponce 10/011201B S1.000 1010112018 10101(2019 $:4,918
Interceptor
102
2015 1FM5KBARXFGC51762 PollccCar 101D1f2019 $1,000 1010112018 10/0112019 Actual Cash Valuo
Ford Taurus Police-Police 1010112018 $1,000 10101/2018 1010112019 S30,792
Interceptor
103
2015 1FAHP2MT2FG154147 PollceCar 10101{2019 $1,000 1010112018 1010112019 Actual Cash ValUE<
Foro Taurus Police Pottee 10101f2018 51,QOO 10!01/201S 10101f2019 $30.192
Interceptor
10.
2015 1FAHP2MT4FG154148 PollceCaf 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value
Foro Taurus Police PortCI;! 10101120t8 $1,000 10/0112018 1011)112019 $27,743
Interceptor
105
2015 lFAHP2MK1FG154146. Police Car 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value
Ford Tautlls Police Poltce 1010112018 $1,000 10101/2018 1010112019 &;27,743
Inierceplor
106
2015 1FAHP2MKXFG154145 PoliceC-'tr 10101/2019 $1,000 10/0112018 1010112019 Actual Cash ValliS
Ford crown Victotlu Police PoIlce 1010112018 51,000 10/0112013 1010112019 $38,938
Interceptor
107
2015 TSD Pollee Car 10/01f2Q19 $1,ooQ 1010112018 10/0112019 Actual Cash Vmlla
33
30
VEHICLE SCHEDULE -------------~ ----'---------"" "--"--
Make Model/Oescrlption Department ALEff Camp C()mp Camp Value
Unit# Oed Elf Tenn
Year VlN# Vehicle TYJ)O Al Temt Coli Coli Eft Coli Valuation Type
Oed Tann
Foro Crown Victoriu Police Police 10/0112018-$1,000 1010112018 10ID112019 $38,938
Interceptor
108
2015 TIlO PotiooCar 101011201. $1,000 10f011201S 10f0112019 Actu;ll Cash Value
Toyota Prius Code 10J(}1/2018 $1,000 10101'2018 10f01120f9 $24.295
Enrorcement
109
2016 JTDKOTB39G11238J.S Private 1010112019 $1,000 1010112016 1010112019 Actual Cash V;l!ue
Passenger
Toyota Prius Code 10/01/2018 51,000 -10101/2018 10ffHf2019 $23,636
EnfOfQJment
110
2016 JTOKOTB34G11238B9 Private 10f0112019 51,000 10/0112018 1QfOl!2019 Actu1I1 CrlSh Value
Passenger
Ford Taurus PoUte 10/01/2018 $1,000 10101/2018 10.10112019 $38,222
111
2016 1FAHP2MTOOG116213 Private 10/01/2019 $1,000 to/0112013 10/0112019 Actual Cash V\JJue
Passenger
Ford Taurus Po~ce 1010112018 $1,00{} 10101/2018 1010112019 $38,222
112
2016 1FAHP2MT1GGI1621. Plivate 1010112019 $1,000 10/0112018 10/0112019 Actua! Cash Value
Passenger
Foro Taurus PQlice 1010112018 51,000 1010112018 1010112019 $39,222
113
2016 lFAHP2MT5GG116218 PriVate 1010112019 $1,000 10J{l112018 1010112019 Actual Cash Value
Passenger
Foro Taurus PoUce 10101/2018 S1,OOO 1010112018 1010112019 $38,222
114
2016 lFAHP2MTXGG116215 Private 1010112019 $1,000 10101/2018 10/0112019 Actual Cash Vallie
Passenger
Ford Taurus Pollee 10101/2018 S1,000 10fOl12018 10fQl12019 $39,222
115
2016 lFAHP2MT4GG116212 Private 10101/2019 $1,000 1010112018 1010112019 Aclua! Cash Value
Passenger
Ford Taurus Police 10101t201S :£1,000 1010112018 10f0112019 $38,222
11.
2016 lFAHP2MT3GG116217 Private 10101f2019 $1,000 1010112018 101U112019 Actual Cash Vallie
Passenger
Ford T3lIrus Pofice 10/0112018 $1,000 10f0112018 10ID112019 $38,222
117
2016 1FAHP2MT8GG116214 Pnvate 10101/2019 $1,000 10/0112018 1010112019 Actual Cash V3Iue
PasS'2nger
34
31
VEHICLE SCHEDULE
Make Model/Description Dapnrtment ALEff Camp Ctlmp Comp Value
Unit# Ded Eff Tenn
Year VIN# Vehicle Type Al Ti;lml Coli ColIEff Call Valuation Type
Oed Term
Nissan Leaf Pat};s 1010112018-$1,000 10101/2018 1Of0112019 $$,863
118
2013 1N4AZOcP1DC422792 Private 1010112019 $'1,000 10f0112018 10/0112019 Aclual Cash VallIe
Passenger
Nissan leaf Pa"1S 10101f2{)18 51,000 10101/2018 10101/2019 $$,800
119
2013 1N4AZOCP5DC41S412 Private 10101f2{]19 $1,000 10/0112018 1010112019 Actual Cash Value
Passenger
Nissan Leaf Pams 10101/2018 $1,000 10101(2018 10f011201g $10,704
120 2013 1N4AZOCPSEC330516 Privnte 10/0112019 $1,000 10101120Ul 1010112019 Adual Cash Value
Passenger
Foro UnmarKed PoUte 10/0112016 $1,000 101'01/2018 1010112019 $40,381
121
2017 1FM5K8AR8HGC87419 Polite car 10/01/2019 $1,000 1010112018 1010112019 Actual Cash Value
Ford Unmarked ponce 10101/2018 $1,000 10101{2018 10f01f2019 $40,381
122
2017 1FM5KSAR4HGC87420 PQliceCar 10/0112019 $'1,000 tof0112018 1010112019 Actual Cash Value
Ford Van Poijce 1010112018 $1,000 10/01(2018 10/01/2019 $25,000
123
2017 AFTRS4XG5GKB11007 PollC&CUr 1010112019 $1,000 1010112018 1010112019 Actual Gash V:;lIue
Fre!ghtliner M2105 PublicWoms 10101/2018 51,000 1010112018 10/01/2019 $..129,000
12' 2017 1FVACXDTOHHJC34:16 Garbage Truck 10/01/2{119 $1,000 10f01J2D18 1010112019 Actual Cash Value
Ford EXplorer PoRce 10101/2018 $1;000 10/0112018 1010112019 $40,381
125
2017 1FM5KBAR4HGOO1472 Police Car 1010·112019 $1,000 1010112018 10/0112019 Actual Cash Value
Fo," Explorer Po~ce 100112018 S1,OOO 10101/2018 10/01(2019 $40,381
126
2017 1FM5KBAROHGDD747Q Police Car 1010112019 $1,000 "10101/2018 1010112019 Actual Cash Value
Foro E)I,plorer Potice 10101f2{)18 51,000 101(]112018 1010112019 $40~81
127
2017 1FM5KBAR6HGC910B1 PoHceCar 10/0112019 $1,000 10/0112018 '10101f2019 Actual Cash Value
35
32
VEHICLE SCHEDULE
Make ModeUDescription Departmenl AlEff Camp CQIHP CQmp Value
Unittl Oed Eff Term
Year VIN# Vehicle Type Al Term Coli ColiEH Coli Vnlua.tlon Type
O.d Teml
Ford 8(plorer Pollee 10/01/2018 $1,000 1010112013 10/0112019 $40,381
128
2017 1FM5K6ARGHGOO1473 Police Car 101011."",9 $1,000 1010112018 1010112019 Atlual Cash Value
Foro Explorer Police 1010112018 Sl,OOO 101O112018 10/0112019 $40,381
129
2017 1FM5K8AR2HG01)7471 Po!iceCar 10/01{2019 $1,000 1010112018 1010112019 Actual Cash Value
Ford Taurus Police 1010112018 $1,000 10101/201S 1010112019 ~27,46a
130
2017 1FAHP2MK3HG145760 Police Car 1(JJ01/2019 $1,000 1{l10112018 1010112019 Actual C.:lSh Value
Ford ExPlorer Police 1010112018 $1,000 1010112016 1010112019 $30,567
131
2018 1FMSK6AR8JGC17151 Police Car 10101/2019 $1,000 1010112018 10/01/2019 Actual ~h Value
F",d Explorer PohC9 10/0112018 :P1,OOO 10(01/201B 1010112019 $30,567
132
201S 1FM5KeAR6JGC17150 Police Car 10/0112019 $1,000 1010112D1B 1010112019 Actual Cash Value
Ford Explorer Pollee 1010112018-$1,000 10101I20t8 101D11201~ $30,567
133
20HI 1FM5KeAR4JGCf7146 police Car 10/01/2019 $1,000 1010112018 10/0112019 Actual Casll Value
Ford Explorer Police 1010112018 S1,000 101010018 10101/2019 530,567
134
2018 1 FM5KaAR8JGGl7148 PoUceCar 10101/2019 $1,000 1010112016 10/0112019 Actual Cash Value
Ford Transit Vun Police 10!01f201B $1,000 10f01/2016 10101/2019 $30,573
135
2017 1 FBZX2ZM2JKBOB280 Bus <20 Pass, 10/0'112019 .$1,000 1010112018 1010112019 Actual Cash Value
NoUn.
Fmd Crown Victoria Police 1OJ01f201B $1,000 10/01/20113 1Of0112019 526,500
136
2011 2FA8P7BV4BX166604 PohceCar 1010112019 $1,000 10101/2018 10/0112019 Aclual Cash V<tJue
Ford CfOWll Vjdona Police 10101}2018 $1.000 10101/2018 10101/2019 $25,000
137 ...
2OtJ9 2FABP78V7.6J{141S14 Police Car 10/0112019 $1,000 10/0112018 10101/2019 Actual Cash Value
36
33
_______ -'-V-=:E=HICLE SCHEDU=-:L=:E=--_______ _
Make MotmiiOescriptiGU Department ALEII Comp tomp Comp V\il~
Uni .... Oed Elf Term
YQar \IlII' V-ehicle Type AL Term c.n Coil Eft Colt V~luatton Type
Ded Tam ..
"m! Cro'i'ln\liictQria Polw la~lr.1O,g $'.000 la~11201B 1IJ!1l112!)1~ $'22,000
lliS
2001! 2FAFl'71W2{!Xl.'761 PoIice-Ca" l1Ml1112!l10 $1.000 1O.lGl12018 1U~1120'9 Actu1d cash V~
O"m! CrtWm VlCloria Poi"" 1U~11201B $1,000 la~1I1111B m!D112!)19 $;18,222
,~
.2016-1FTe.WICf311.<F&l781 PoIiceCar 10,1'01.1:21)19 $1.000 100112018 100112019 _Cash V .....
Cushman -I/lJU11.lllIB $1.000 'ORlllWte 10.1'01/2010 $14,000
140
2005 233WOO Extm tig'M 1{l1111f2{)1B $1.000 l1J1ijl!201~ ltlJOll2019" ActuaJ cash ValllP--Fm! It! PassengarV<n P>rks 10J0112OiIJ. $1,000 i!),!{)1f2G19 10J0~1201g. $30,573
141
2018 1FBZX2ZJJt2JKBOB2flO Bus q,o Pass, 10.10112019 $1,000 10010018 101'01.'2019' AW3i Cash Value
No Lift
Fon! S\N PoIoe 1illtm:ro.18 $1,000 ~!llIlfOOta 10Jn1WtQ $30,007
'42 2Il1. lFM..'4<BARWGCI714B PoIic:e-Car 10r01J20t9 $1.000 rnrn11l{l18 1010112010 AcI;u.aI Cash Value
Ford SW I'<>'oe m~lr.l1)lS Sl.{lOO m~ll2Ola 10,'0112010 $3O,OOr
''''' 2D18 IFM5KBAR6JGCI7147 F'diceCN m.f01.r.!Ol9 $1,000 tnf0112018 fID01J20UI' Actual Cash \I~
Fon! SW -1U~Ii2Dla $1.000 IOlltl2!l18 IOmll21llg $30,56]
144
2O.S I aJGC1715!l PoticeC3r 1ftI'\l1J201Q. $1.000 tn'01r.lD1B 1QilJlf2D19-~ Co,5h Value
-.. L .. ' Parks 1Oro1l2OIS $'jlOO lOOl.r.ll:lIS 10.1010019 $9,<;00
145
21HS. " 00!182llll PoIioeCar llMl1t.r.Nl19 $1,000 llJJml20'B 1O!011201ij _l~ Gash V"''''
Ford F25!l Pdioe tu'IJ1!20IS $'.000 U},'Dtl2DlB In~lf.lOl0 $35,276
'411 2019 lA7W2B61KEC12555 PoliCE-Car lOfOt.12lHG $1,000 tma1!2D18 I1lfO.12Il1g Act-~ cash Va1ue.
Total
37
34
PUBLIC OFFICIALS & EMPLOYMENT PRACTICES
PROPOSED LIABILITY INDICATION
PENDING FIRM QUOTATION PER SUPPLEMENTAL
Insurer: Ace American Insurance Company
Type of Form:
Claims Made -Retro Date Per Policy Fom1
Extended Reporting Period: 12 months for 100% of last annual premium
Limits of Liability:
Each Claim $1,000,000
Aggregate $1,000,000
Crisis Management Fund $25,000
Defense Costs are Within Limit of Liability -Capped at $1,000,000
Deductible:
$75,000 Public Officials Liability -Public Entity Liability - 1 A2 and 1 B
$100,000 Each Employment Practices Violation - 1 C
$250,000 Retention applies to all Zoning Claims and Matters
Exclnsions Include But Are Not Limited To:
Network Security or Privacy Liability Exclusion
Bond Exclusion
False Claims Act Exclusion
Subject To:
Review of renewal supplemental just received
Final review of loss runs 30 days prior to effective date
35
------
38
PROPOSED WORKERS' COMPENSATION COVERAGE
Classifications & Exposures:
.·Clide .... . GiossPaYl'oJis
' .. '.)')/e). .'. .... ". '. . ..',.< .' .
Street or Road Maintenance 5509 277 022
Police & Drivers 7720 3,592 565
Auto Service Repair 8380 143.605
Clcl1cal 8810 3,071,182
Bldgs./Owner/Lessee 9015 87300
ParkNOC 9102 357,467
Garbage: Collection & Dl1vers 9403 370017
Municipal NOC 9410 444947
Premium ..$145,52\l.OO .... ; ....
'{'-' '."--.
Standard Limits of Liability $100,000/$500 000/S100 000 In¢IUd~d.
Increased Limits of Liability 1,000,00011 ,000,00011 ,000,000 ····Included ,... .....'..
Workplace Safety Program Credit 2% , lIidlldcil
Drug-free Workplace Program Credit 5% ,', It(Clnded
Credit Total •••••••••••••••••••••••••••••
Experience Modification .94 ·· ... ·t'IitCIude(l
Premimn Adjustment Program • > ,JnCl~de(l,
Celtified Acts of Terrorism .', '..\";,.
Expense Constant ........................ $160;00'
.. ... .•... .. ' . .... .. . ... ., '. . .... .... . '
' . /' ' .....
. Totl;lIPrell)illll) '" .. ,'. . ' '.' I • .... . ' .. ' . . ". •
••••••••• $l,lfi;1;80.00
Higher Limits of Liability My Be Available Upon Request
Policy is Su~iect to Audit
Additional States of Hire fllllSf be reported whell payroll begins ill that State
Certificates of Workers Compensation Insurance are required Oil all worl, pelformed by
persolls other thall its employees
Subject To:
Signed PGIT WC Application
Signed Drug Free and Safety Program Applications
36
39
SUMMARY OF ESTIMATED PROPOSED PREMIUMS
Premiums as Proposcd: *Expiring Renewal
Property Including
Boiler & Machinery
General Liability
Commercial Automobile
Inland Marine
Crime/Fidelity
Premium
Fees
Taxes/Surcharges
Total
Premium
Fees
Taxes/Surcharges
Total
Premium
Fees
Taxes/Surcharges
Total
Premium
Fees
Taxes/Surcharges
Total
Premium
Fet!s
Taxes/Surcharges
Total
'.' . "$124;040,1)0 . . . $127;945,00 . "]'Ilk .'. ..' "Nli\:
' ....•.• '\NyA .'. N/A ., ...... ..... .. . .. '
.... '.$l24,04Q.IIQ . $J~r7,94?OQ.
'.' 'C' .' '. ',ll)stim!lteq.
Law Enforcemcnt Liability Premium
......
Public Officials
Employmcnt Practices
Liability
Workers Compensation
Subject to Audit
Fees
Taxes/Surcharges
Total
Premium
Fees
Taxes/Surcharges
TOlal
Premium
Fees
Taxes/Surcharges
Total
. . ..•.. TOTAL
.. ' ii. $l~~. ,.2.~0.,.qO·.;, . $145;520.00 ......... 20000160.110
.... ...~/A· 'N/A
$1.42;;51)',\)0' · •.• ·$145,680;00 ................ '..... .'
......•.. ·$618,1~4.00 '$665,153.00
* Expi1'ing Premium reflects annualized premiums on any midterm policy changes
Fees show1I above may be .fid!y ellrned at policy illCep#OIl
Workers Compensation Payroll $7,916,544 Expiring vs Rcnewal $8,344,105
Law Enforcement Liability Deductible Increase to $10,000 Per Claim
37
40
Payment Option:
PGIT Package: 50% Down -25% due at 75 days and 25% due at 166 days
POLIEPL: Full payment at inception -Financing may be available
Workers Compensation: 25% Down and 9 Equal Installments
A 25% Minimum Earned Premium applies to the following policies:
PrefclTed Governmental Package and Preferred Governmental Workers Compensation
Quotations Subject To:
• Signed Acord applications
• Signed and Initialed pon Applications, Signature Page, UM Fonn
• Abuse Prevention Policy
• Signed Ace and Acord Applications -POL & EPL
• Review of CUlTcntly Valued Loss Runs Plior To Binding:
Ace American POLlEPL
Quotation is valid until the effective date of the policy.
This proposal is based upon the exposures to loss made known to the Agency. and is for
illustration Oil/V. Anv changes in these exposures (i.e.. new operations, new products.
additional states o('hire, etc./need to be prompt/v reported to us in order that proper coverage(s/
mav be put into place. All physical exposures insured by 0111' policies mllst be owned by the
named insured. This pmposal contaills only a general description o('the coverage(s) and does
not constitute a policY/contract. For complete poUc" information. including exclusions,
limitations. and conditions. refer to the polic" document. III the event ofa difference between
this proposal and the policy. the policy will prevail.
38
41
A.M. BEST RATING OF PROPOSED COMPANIES
COMPANY COVERAGE BEST RATING ADMITTED
Preferred Governmental Insurance Commercial Propeliy, Crime, Not Rated Yes
Trust Inland Marine, General
Liability, Law Enforcement
Liability, Commercial
Automobile, and Workers
Compensation
Ace Ametican Insurance Co. Public OfficiallEPL A++XV Yes
GENERAL RATING
These rating classifications reflect BEST's opinion ofthe relative position of each company in
comparison with others, based upon averages within the Property-Casualty insurance industry. They are
reflective of overall company services and standing within the industry.
A++ A+***
A, A-***
B++, B+**
NR
Superior
Excellent
Very Good
Nol Roled
B. B-***
C~-+ C+***
C C~*** ,
Good
Fair
Marg;nal
FINANCIAL SIZE CATEGORY
The Financial Size CJlte~ory is an indication orthe size of an Insurer and is based on reported
Policyholders' surplus p us conditional or Technical Reserve Funds, such as mandatory securities
valuation reserve, other investment and operating contingency funds and/or miscellaneous voluntary
reserves repOlted as liabilities.
($ In thousands)
Class I $ Upto $ 1,000
Class II $ 1,000 To $ 2,000
Class III $ 2,000 To $ 5,000
Class IV $ 5,000 To $ 10,000
Class V $ 10,000 To $ 25,000
Class VI $ 25,000 To $ 50,000
Class VII $ 50,000 To $ 100,000
Class 1lI $ 100,000 To $ 250,000
Class IX $ 250,000 To $ 500,000
Class X $ 500,000 To $ 750,000
Class XI $ 750,000 To $ 1,000,000
CIa" XII $ 1,000,000 To $ 1,250,000
Class III $ 1,250,000 To $ 1,500,000
Class IV $ 1,500,000 To $ 2.000,000
Class XV $ 2,000,000 To $ More
This information has been provided to you so that consideration is given to the financial condition of our
proposed carriers. The financial information disclosed is the most recent available to Brown and Brown of
Florida Inc. -Miami Division.
39
42
COMPENSATION
In additiOJi to the commission or fees received by us for assistance with the placement, servioing, c.laims
handling, or renewal of your insurance coverages) other pal1ies, such as excess and sUl1Jlus lines brokers,
\\'h01c8alc brokers~ reinsurance intem1ediaries, underwriting managers and similar pm1ies, some of which may
be owned in whole or in part by Brown & Brown, Inc., may also receive compensation for their role in
providing insurance products or services to you pursuant to their separate contracts with insurance or
reinsurance cani.ers. That compensation is derived from your premium payments, Additionally, it is possible
that we, or our corporate parents or affiliates, Inay receive contingent payments or allowances fi'om insurers
·based on factors which are not client-specific, such as the performance andlor size of an overall book of
business produced with an insurer. We generally do not know if such a contingent payment will be made by a
particular ins'urer, or the amount of any such contingent payments, until the underwriting year is closed. That
compensation is partially derived fi'0111 your premium dollars, after being combined (or '"pooled") with the
premium dollars of other insureds that have purchased similar types of coverage. ,V c may also l'eceive
invitations to programs sponsored and paid for by insurance calTiers to inform brokers regarding their products
and services, including possib1e parlicipation in company-sponsored events such as trips~ seminars, and
advisory counci1 meetings, based upon the total volume of business placed with the carrier you select. We
may) on occasion, receive loans or credit from insurance companies, Additionally, in the ordinary coul'se of
our business, we may receive and retain interest OIl premiums you pay from the date we receive them until the
date the premiums are remitted lo'the insurance company or intel1ncdiary, In the event that we assist with
placement and other details of arranging for the 'financing of your insurance premium, we 111fty also receive a
fee fro111 the premium finance company,
Wholesale BrokerlManaging General Agent: Public Risk Undcrw"itcrs
This intennediary is owned in whole or part by Brown & Brown, Inc.) the parent company of Brown & Brown
of Florida, Inc. -Miami Division. Brown & Brown entities operale independently and are n01 required to
utilize other companies owned by Brown & Brown, Inc., but routinely do so. In addition to providing access
to the insurance company, the Wholesale Insurance Broker / Managing General Agent may provide additional
services including) but not limited to: undenvriting; loss control; risk placement; coverage review; claims
coordination widl insurance company; -and policy issuance. Compensation paid for those services may be up
to 15% of the premium you pay for coverage, and any compensation paid for those services is derived from
your premium payment. The fee, if any, for the Wholesale Insurance Broker's/Managing General Agent's
services above is $ No Fee.
If we are being compensated based upon a fixed doBar amount or fixed percentage fee, meaning that the
contract specifies our compensation and states anywhere in the document that additional compensation will not
be paid to us or any other party, any additional compensation to us or any other party, including wholesale
brokers or third party intennediaries, is stdedy prohibited, Likewise, if our contract sets compensation based
upon a fixed dollar amount or fixed percentage fee, and the contract specifies that additional compensation
shall be credited to the insured, any additional compensation to any party, including brokers, wholesale brokers
or third party intelmediaries, must be promptly returned to you, If our contract is not based upon such fixed
fee tenns, no owned or affiliated party, including brokers, wholesale brokers or third party intennediaries, may
accept any t)1,e of compensation without full disclosure by the undersigned broker to you of the dollar amount
or percentage of compensation prior to binding your coverage.
Should you have any questions, or require any additional infonnatiol1 1 please contact this office at
1-305-714-4400 or if you prefer, submit your question or request online at
http:'!/v·,.'ww.bbinsurancc.c0111lcustomerinquiry.shtml.
40
43
PROPOSAL VARIANCE
--
Changes that need to be made prior to binding:
44
41
MINIMUM AND DEPOSIT PREMIUM
MINIMUM EARNED PREMIUM
The following tenns are often misunderstood, particularly among insureds or producers not
accustomed to dealing with surplus lines insurance companies. It is important that the definitions
arc understood.
MINIMUM AND DEPOSIT
This is the amount of premium due at inception. Although the policy is subject to adjustment
based on a rate per exposure unit, under no circumstances will the annual earned premium be
less than the minimum premium. Therefore, the policy may generate an additional premium on
andit, but not a retu111.
If such a policy is cancelled mid-tenn, the earned premiulll is the GREATER of the annual
minimum times the short rate or pro-rata factor, or thc actual earned as detern1ined by audit,
subject to a short rate penalty if applicable.
MINIMUM EARNED PREMIUM
A minimum eamed premium endorsement can be attached to either a flat charge policy or an
adjustable policy. In either case, this amount is the LEAST that will be retained by tbe insurance
company once the policy goes into effect. The amount retained would be the GREATER of the
annual earned premium whether calculated on a pro-rate or short rate basis, or the minimum
camed premium.
FLAT CANCELLATIONS
Surplus lines insurance companies normally do not allow flat cancellations. Once the policy is in
effect, some premium will he camed.
If you nced further explanation, please do not hesitate to contact us.
42
45
CLAIM REPORTING GUIDELINES
Make Brown & Brown, Inc. aware of any and all incidents immediately after they occur, whether
it be an auto accident, a theft, slip & fall, even a minor incident that appears will have no future
activity. Do not wait for a police report.
Gather as much concrete infol1nation as possible. For example, police repOlis, company incident
reports, conversation logs, medicals and pictures -anything that may assist in the handling of
your claim. Send this infol1nalion either by mail, e-mail or fax to:
Brown & Brown of Florida, Inc. -Miami Division
Alexandra Sarria, Commercial Claim Specialist
14900 NW 79 Court, Suite 200
Miami Lakes, FL 33016
Phone: (305) 364-7812
Fax: (305) 714-4401
E-Mail: ASarrial@bbmia.com
If you have any questions or incur any problems, please contact our office and wc will be glad to
assist you in any way we can.
43
46
DEFINITIONS
47
44
PROPERTY DEFINITIONS
Coinsurance Most building aud busiuess personal propclty policies have a coinsurance clause,
which requires the insured to catTy insurance equal to at least a specified
percentage of the actual cash value of the property. If a loss occurs, and it is
detelmined that the amount of insurance catTied is less than the amount required, a
oenaltv could be olaced on the insured. (Example Attached)
Agreed Value When the agreed value option is used the coinsurance requirement is removed and
the insurer agrees to cover losses for its a!,'l'eed value. As an example, the insured
has property insured for $100,000 and the agreed value is also $100,000, if a loss
occurs, any loss up to $100,000 is covered 100%. When this option is used the
insured and the insurance company agree on the value of the property before the
oolicv is issued. This ootion is usually assigned to one-of-a-kind propelty.
Replacement Property can be valued in several different ways. Insurance companies commonly
Cost & Actual use two approaches to determine value, which also detcnnines how a loss will be
Cash Value paid: the replacement cost method and the actual cash value method. Insurers
consider replacement cost of a property item to be the cost to replace it with new
property of like kind. Actual cash value is replacement cost, minus the
accumulated depreciation for age and condition.
Inflatiou Guard An insured can insure a building for its full value at the beginning of the policy
year, but at the end of the year, it might not be covered for its full value. This
problem can be corrected by adding inflation guard coverage. With inflation
guard, the policy limit increases gradually during the policy tenn so that the total
increase amounts to the desired percentage increase at the end of the policy tenn.
Coverage In addition to the limits stated in the Building and Personal Property coverage
Extensions & form, the policy has a coverage extensions section and an additional coverages
Additional section. The coverage extensions section provides limited coverage for newly
Coverages acquired or constlUcted property, propelty of others, ceJtain out door propelty,
and the cost of research and reconstlUct infonnation on destroyed records. When
coverage is placed on the all risk fOl1n, two additional extensions are added for
propelty in transit and coverage for celtain repair costs related to damage caused
by water. The two additional extensions are covered by celtain perils only. The
additional coverage section provides coverage for indirect losses that result /i'om a
direct loss. The coverage applies to removal of debris, preservation of proPeJty,
fire department service charges and pollutant cleanup and removal. The coverage
extensions and the additional coverages have limitations and are subject to certain
conditions.
Basic Form Fire, lightning, explosion, windstol1l1 or hail, smoke that causes sudden and
accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism,
sprinkler leakage, sink hole collapse and volcanic action.
Broad Form Fire, lightning, explosion, wind stann or hail, smoke that causes sudden and
accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism,
sprinkler leakage, sink hole collapse, volcanic action, glass breakage, falling
objects, weight of snow, icc, or sleet, and water damage (accidental discharge or
leakag~).
Special Form Excluding flood and earthquake.
48
45
EQUIPMENT BREAKDOWN DEFINITIONS
Definition of Eqnipment Boiler & Machinery l11surance covers direct damage to
Breakdown Coverage (Boiler & covered property when caused by a covered cause of loss.
Machinery) Covered property is any property that is owned by the named
insured or is in the named insured's care, custody or control
and for which the named insured is legally liable. A covered
cause of loss is a sudden and accidental breakdown of the
insured's boiler & machinery equipment or any pmt of the
equipment described in the policy.
Expediting Expense Which pays the reasonable extra cost incurred to expedite
progress after a loss
Automatic Coverage Covers accidents to objects at newly acquired locations for up
to ninety days after the named insured acquires the property.
49
46
GENERAL LIABILITY DEFINITIONS
Premises/Operations Coverage is provided for damages arising out of ownership or
occupancy of the insured premises when maintained in a
reasonable manner. This also covers damages arising out of
operations perfol1ned by the insured business.
Products/Completed Operations Products coverage is provided for damages arising out of
products manufactured, sold, handled or distributed by the
insured. Completed Operations covers damages occUlTing
after operations have been completed or abandoned, or after
an item is installed or built and released for it's intended
purpose.
Personal Injury Personal Injury means 111Jury other than bodily injury.
Coverage is provided for injury resulting from offenses such
as false anest, malicious prosecution, detention or
imprisonment, the wrongful entry into, wrongful eviction
from and other acts of invasion, or lights of private
occupancy of a room. Coverage for libel and slander is also
provided in the policy.
Advertising Injury This coverage pays for damages done in the course of oral or
written advertisement that disparages, libels or slanders a
person's or organization's goods, products or services.
Coverage for these offenses is provided under adveliising
injury coverage only if they occur during the course of
advcliising the named insured's own goods, products or
services.
Medical Payments Medical Payments coverage pays medical expenses resulting
fi'om bodily injury caused by an accident on premises owned
or rented by the insured, or locations next to such propeliy, or
when caused by the insured's operations. These payments are
made without regard to the liability of the insured.
Fire Damage The fire damage limit provides coverage for fire damage
caused by negligence on the part of the insured to premises
rented to the named insured. If a fire occurs because of
negligence of the insured and causes damage to propcl1y not
rented to the insured, coverage would be provided under the
OCCUlTence limit.
50
47 I
GENERAL LIABILITY DEFINITIONS
Continued ...
Contractual Liability Extends your coverage to liability assumed under contract, applies
to both oral and written agreements relating to named insured's
business.
Host Liquor Liability Covers your exposure for serving liquor to clients or employees at
company parties. Applies only to finTIs not engaged in business of
selling or serving alcoholic beverages.
Broad Form Property Damage Intended for firms, which perform work or services, rather than sell
Coverage or produce products. Usually intended for construction
contractors, repairers of automobiles, installers of propel1y.
Incidental Medical Malpractice Extends tenn "bodily injury" to mean lllJury arising out of
rendering of or failure to render, during the policy period: medical,
surgical, dental, x-ray, 01' nursing services, or fumishing of food or
beverages in connection therewith or the dispensing or fUl11ishing
drugs or medical, dental or surgical supplies
Non-Owned Watercraft (Under 26 feet in length) Pr(1vides coverage for liability, which
Liability Coverage arises £i'om any watercraft as long as watercraft is not owned by
insured nor being used to carry persons 01' property tiJI' a fee.
Limited Worldwide Coverage Intcnded to extend the scope of "policy territories" to anywhere in
the world. Limited to the activities of any insured who lS
domiciled in the United States and the original suit for damage is
brought within the United States, its territOlies, possessions, or in
Canada.
Extended Bodily Injury Amends definition of occurrence to; includes any intentional act by
Coverage or at the direction ofthe insured, which results in bodily injury, but
only if such bodily injury results fi'om the use of "reasonable"
force for purposes of protecting persons or propel1y.
Newly Acquired Organizations Automatic protection for newly acquired organizations until the
new organizations is specifically added to the policy or 90 days,
whichever occurs first.
Additional Persons Insured Includes as insureds; (1) Any spouse of a partner conceming
business activities of the partnership and (2) any employee of the
named insured while acting within the scope of his or her duties.
Does not apply to bodily injury or pers(1nal injury sustained by a
fellow employee which occurs dUling the course of employment.
Claims Made Form Only This coverage is provided automatically without an additional
premium charge if coverage is canceled, not renewed, or the
insurer renewal with a later retroactive date. The basic extended
reporting period starts at the end of the policy period and last for
five years for claims made against the insured within the five year
,
period and reported to the insurer within 60 days after the end of
the policy period.
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WORKERS' COMPENSATION DEFINITIONS ----------------
Workers' This coverage agreement obligates the insurer to pay all compensation and
Compensation other benefits required of the insured by the workers compensation law or
Insurance occupational disease law of any state listed in the policy. The coverage
applies to bodily injury by accident and by disease.
Coverage (A) shows no dollar limit for the benefits provided since any
applicable limits would be those established within the law. Benefits under
Coverage (A) are paid to the employee without regard to fault.
Employers' This coverage protects employers for their legal liability for bodily injury by
Liability accident or disease to an employee arising out of and in the course of the
employee's employment when not covered under the workers compensation
law. Before benefits are paid under this coverage, the employee must prove
the employer is liable for the injury.
I. Bodil y Injury By Accident
This amount is the most an insurer will pay under Coverage (B) for all claims
arising from anyone accident, regardless of how many employees arc
involved in the accident. The standard limit is $100,000 for anyone accident,
which can be increased.
2. Bodily Injury By Disease (Policy Limit)
This is the agl,'Tcgate limit the insurer will pay under Coverage (B) for all
claims sustaining bodily injury by disease during the policy period. TIle
standard policy limit is $500,000, which can be increased.
3. Bodily Injury By Disease (Each Employee)
This amount is the most an insurer will pay under Coverage (B) for damages
due to bodily injury by disease to anyone employee. The standard limit of
liability for each employee is $100.000, which can be increased.
Officer/Partner In some states, workers compensation law allows an insured to include or
Exclusion exclude Executive Oflicers and Pa11ners, or both, ii-om coverage. Adding this
endorsement can designate the individuals not covered under the policy.
Experience This is a factor that deals with the rating of the policy. TIle Experience
Modification Modification figure is based on the insured's loss expelience. The factor is
used to increase or decrease the manual rates of insurance.
Other States This provides workers compensation coverages if the insured expands
Insurance operations into other states not declared at the time the policy is issued or
renewed. If the insured elects this coverage and operations begin in a state
listed under other states, the insurer provides the same coverage as if the state
was declared in the policy at the time of policy issuance.
USL&H This is a federal act, which is similar to the state workers compensation act.
The federal act was designed to provide workers compensation benefits to
employees who work in maritime employment upon the navigable waters of
the United States and who are usually considered outside the scope of state
workers compensation laws. When the US L&HW A endorsement is added to
the sta1ldard policy it applies to work done in the states scheduled on thc
policy and extends the definition of the workers compensation law to include
the USL&HW A.
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,-------------------------~-~----------------------------------~
UNDERSTANDING THE CLAIMS-MADE POLICY
The claims-made insurance policy provides financial protection for all claims presented during
the elment policy year, providing the claim occUlTed after the prior acts date.
To understand the claims-made policy, we will define:
Current Policy Year:
The policy year begins on the effective date shown on the policy and expires on the expiration
date all shown on the policy. The policy's effective and expiration dates change with yearly
renewal of the policy. The prior acts or retroactive date remains the same, so you are protected
for incidents that occurred prior years by the current policy.
Prior Acts or Retroactive Date:
This is the date (shown on your policy) that dictates if a claim is eligible to be covered. Any
claim occUlTing after this date, presented during the current policy year, are eligible for coverage
by your current policy.
Supplemental Extended Reporting Period (Tail Coverage):
Should the policy be cancel cd or non-renewed, you are entitled to purchase insurance protection
for any claims which may be after the cancellation date. The premium charged for this insurance
is based upon the number of years you have been insured (prior acts years) and the limits
purchased.
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AUTOMOBILE DEFINITIONS=--____ "" __ ~
Liability Covel'age The Jiability coverage of the commercial auto policy provides
protection against legal liability ansmg out of the ownership,
maintenance, or use of any insured automobile. The insuring
agreement agrees to pay damages for bodily injury or property damage
for which the insured is legally responsible because of an automobile
accident resulting from the ownership, maintenance, or use of a
covered auto. The insuring agreement also states that in addition to thc
payment of damages for which the insured is legally liable, the insurer
also agrees to defend the insured for all legal defense cost. The
defense cost is in addition to the policy limits.
Owned Automobiles Covers the liability m~sing out of the ownership, maintenance or use of
automobiles.
Personal Injnry Coverage is included for vehicle passengers under No-Fault Law
Protections provisions.
Medical Payments The insuring agreement states that the insurer will pay all reasonable
Coverage and necessary medical and funeral expenses incurred by an insured
because of bodily injury caused by an accident. TIle insured is the
named insured, the insured's employees and guests, and any other
person occupying a covered auto. These payments are made without
regard to fault.
UnillsuredfUnderinsur Protects insureds who are not contributorily negligent against bodily
ed Motorists injury caused by negligent under insured or uninsured drivers and hit-
and-run motorists.
Hired Automobiles Covers the liability for the usc of hired automobiles in vour business.
Non-Owned Covers the liability for the use of non-owned automobiles in your
Automobiles business. An example would be an employee using his own car on an
en'and for you.
Comprehensive Pays for loss of or damage to automobiles from perils other than
collision.
Collision Pays for loss of or damage to automobiles from collision with another
object or upset.
Rental The business auto policy provides a coverage extension if an auto is
Reimbursement insured for comprehensive or specified cause of loss coverage, which
insures against loss of use of a covered auto only if the auto is a private
passenger type auto and is stolen. The coverage extension pays up to a
daily limit of $10 and a maximum limit of $300. Payments begin
forty-eight hours after the theft and ends when the insured auto is
returned or when the insurer has paid the insured for the auto. For
broader coverage, the insured can pay an additional premium for rental
reimbursement coverage. Rental reimbursement pays the cost of
renting a substitute auto for replacement of any covered auto that has
suffered a covered loss. The daily and maXl11lUm limit for this
coverage varies among insurers.
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1
2
3
4
5
COVERED AUTO DESIGNATION SYMBOLS
Any "Auto" 6
Owned "autos" only. Only those 7
autos you own (and for liability
coverage any trailers you don't own
while attached to power units you
own.) This includes those "autos"
you acquire ownership of after the
policy begins.
Owned Private Passenger "Autos" 8
Only. Only the plivate passenger
"autos" you own. This includes
those private passenger "autos" you
acquire ownership of after the policy
begins.
Owned "Autos" other than· private 9
passenger "autos" only. Only those
autos you own that are not of the
private passenger type (and for
liability coverage any "trailers" you
don't own while attached to power
units you own.) This includes those
autos not of the private passenger
type you acquire ownership of after
the policy begins.
Owned "Autos' subject to No-Fault.
Only those "autos" you own that are
required to have No-Fault benefits in
the state where they arc licensed or
plincipally garaged. This includes
those "antos" you acquire ownership
of after the policy begins provided
they are required to have No-Fault
benefits in the statc where they are
licensed or principally garaged.
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-----
Owned "autos" subject to a compulsory
uninsured motorists law. Only those
"autos" you own that because ofthe law
in the state where they are licensed or
principally garaged are required to have
and cannot reject Uninsured Motorists
coverage. This includes those "autos"
you acquire ownership of after the
policy begins provided they are subject
to the same state uninsured motorists
requirement.
Specifically Described "autos". Only
those autos described in ITEM THREE
of the Declarations for which a
premJUm charge IS shown (and for
liability coverage any "trailers" you
don't own while attached to any power
unit described in ITEM THREE.)
Hired "Autos" Only. Only those autos
you lease, hire, rent or bOlTOW. This
does not include any "auto" you lease,
hire, rent or bon'ow from any of your
employees or pmtners or members of
their households.
Non-Owned "Autos" Only. Only those
"autos" you do not own, lease, hire, rent
or borrow that are used in connection
with your business. This includes
"autos" owned by your employecs or
partners or members of their households
but only while used in your business or
your personal affairs.
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Employee Dishonesty
Forgery or Alteration
Theft, Disappearance &
Destruction
CRIME DEFINITIONS
Employee dishonesty is considered to be a criminal act
committed by an employee acting alone or in collusion
with others. There must be intent by the employee to cause
the employer a loss and to obtain a financial benefit for the
employee or someone else. Coverage is provided for
dishonest acts of employees of the named insured only.
Coverage insures against loss of money, securities, and
prope11y other than money and securities. The blanket
form provides coverage for dishonest acts of all employees.
The limit for blanket coverage applies per loss, regardless
of how many employees are involved. The scheduled f0l111
provides coverage only fell' the dishonest acts of employees
specifically listed in tbe policy. On the scheduled form, a
separate limit applies to each employee listed on the
schedule.
Forgery is generating a Document or signature that is not
genull1e.
Alteration is changing a document in a manner that IS
neither authOlized nor intended.
This form insures against loss caused by the forgery or
alteration of a covered item drawn against the insured's
accounts. A covered item might be a check, draft,
promissory note, bill of exchange or similar instrument.
Theft means any act of stealing.
Disappearance is unknown causes of loss. Disappearance
lacks the elements of knowing if the clime was a theft,
burglary or robbery.
Destruction is the loss of certain propel1y, it is usually the
result of another cause ofloss.
Section (I) of the form covers money and securities
against loss by theft, disappearance, or destruction inside
the premises. Section (2) covers money and securities
outside the premises in care and custody of a manager.
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PREFERRED GOVERNMENTAL INSURANCE TRUST
"Preferred"
NOTICE AND ACKNOWLEDGEMENT OF FINANCIAL
CONDITION
Brown & Brown of Florida, Inc. -Miami Division and its parent company, Brown & Brown, Inc.
(collectively "Brown & Brown") do not certify, wan'ant or guarantee the financial soundness or stability
of any insurance canier or alternative risk trmORfer or pooling entity. We endeavored to place your
coverage with an insurance canier with an A.M. Best Company financial rating of"A-" or better. * While
Brown & Brown cannot certify, warrant or gum'antee the financial soundness or stability of any insurance
can'ier or alternative risk transfer or pooling entity or otherwise predict whether the financial condition of
any such entity might improve or deteriorate, we are hereby providing you with notice and disclosure of
financial condition so thai you can make an informed decision regarding the placement of coverage.
Accordingly, with receipt of this notice you acknowledge the fllllowing with regard to the placement and
any subsequent renewal of the coverage indicated below:
• Brown & Brown may have other optjons for your insurance placement, including quotations with
insurance carriers holding an "A-" or better rating from A.M. Best Company. Alternative guotes
may be available with an A-or better rated canier upon your request.
• Coverage is being placed through Preferred Governmental Insurance Trust ("Preferred"),
which is as a Florida local government se]j~insurance fund established pursuant to Section
624.4622, Florida Statutes, as such Preferred is not rated by the A.M. Best Company.
• Preferred is not subject to the protections afforded by any state guaranty fund or association.
• The financial condition of insurance companies and other coverage providers including local
govenunent self-insurance funds like Preferred may change rapidly and that such changes are
beyond the control of Brown & Brown.
• You should review the financial and membership inll1l1nation from Preferred and agree to abide
by the conditions of membership established by Preferred.
• You should consider the information provided, including the Preferred coverage guote and
coverage placement and review it with your accountants, legal counsel and advisors.
By: [NAME OF AUl1-rORIZED REPRESENTAl1VE OF INSURED]
Named InsUI'ed:
.Policy Number:
Policy Period:
Date of Notice:
City of South Miami
TBD
10/01118 TO 10/01119
8117/2018
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